[{"data":1,"prerenderedAt":47},["ShallowReactive",2],{"q-risk_mgmt-21-041":3},{"exam":4,"examName":5,"chapterSlug":6,"question":7,"related":22},"risk_mgmt","風險管理基本能力測驗——風險管理制度與實務","c6",{"id":8,"exam":4,"session":9,"qno":10,"question":11,"options":12,"answer":17,"chapter":18,"freq":19,"explanation":20,"difficulty":21},"risk_mgmt-21-041","21",41,"依據借款客戶還本付息的逾期長短分類，下列敘述何者正確？",[13,14,15,16],"本息賒欠超過 1 年者，稱為「呆帳」","本息賒欠超過 6 個月者，稱為「呆帳」","本息賒欠超過 3 個月者，稱為「逾期放款」","本息賒欠超過 6 個月者，稱為「逾期放款」",2,"商業銀行的信用風險管理",1,"分類的關鍵在本息積欠的時間長短。依銀行資產評估相關規範，清償期屆至而本金或利息積欠達三個月以上者，就要列報為逾期放款，故選 (C)。呆帳指的是逾期放款或催收款經催理後確定收不回來，依規定程序報經核准後轉銷的部分，看的是催收結果與轉銷程序，不是單純用積欠幾個月來認定，(A) 超過一年、(B) 超過六個月稱為呆帳都把定義弄混。(D) 六個月是常被誤記的門檻，逾期放款的認列時點是三個月，不是六個月。","medium",[23,27,31,35,39,43],{"id":24,"question":25,"qno":26},"risk_mgmt-20-028","銀行的交易對手發現，衍生性交易明顯不利於自己時，可能選擇「不履約」，稱為下列何種風險？",28,{"id":28,"question":29,"qno":30},"risk_mgmt-20-048","仁愛銀行辦理信用卡業務時，每名好客戶平均每年創造 1,050 元利潤，又知該銀行的再投資報酬率為 5%，過去與這類好客戶平均維持 3 年的往來，請問該銀行延攬一名好客戶可為其創造多少利潤？",48,{"id":32,"question":33,"qno":34},"risk_mgmt-20-049","假設 ARMs 定儲利率指數為 2.5%，銀行承作房貸之成本加碼為 2.55%，企業金融業務有關違約風險之信用等級加碼為 1%，請根據 ARMs 房貸之利率訂價方式，計算房貸利率為何？",49,{"id":36,"question":37,"qno":38},"risk_mgmt-20-055","有關授信案之回收風險，下列敘述何者錯誤？",55,{"id":40,"question":41,"qno":42},"risk_mgmt-20-056","客戶的「直接放款風險」，通常使用下列何者衡量暴露風險？",56,{"id":44,"question":45,"qno":46},"risk_mgmt-21-016","銀行承作中小企業授信時，尋求「中小企業信保基金」給予保證，對於債權銀行的信用風險有何影響？",16,1785146816212]